How does one correctly balance between the Building Energy Act and KfW 55, 40, and 40 Plus?

Well, the following generations will have a very hard time acquiring homeownership before inheriting it. From this perspective, I am confident that one of the three will remain with us.

Nonsense. I then sell the house that no longer fits and treat myself to something smaller - maybe even suitable for my age as a bungalow.

Nonsense with sauce. Our living area is all on one level, without barriers. If you build a standard house, you just sell it again. That’s also okay. The state is happy twice then.

If you build something standard, you just sell it again. Also okay. The state is happy twice then.

Who can afford to build in a way that they don’t have to make compromises if the house is divided? What a waste of money for the average builder. And then also bring tenants into the house. That is almost always the reason for living in your own house – no annoying neighbors. And then the kids move out and tenants upstairs watch when you want to sunbathe naked? No-go.

Well, the following generations will have a hard time acquiring homeownership before inheriting it.
From that perspective, I am optimistic that one of the three of us will keep it.

I have confidence that my children will be able to shape their own lives - although things could look better at the moment in terms of ambition and determination. I don’t even know if homeownership will mean the same to the boys / their generation as it does to me / my generation. When I see how the world has changed in the last 20, 30, 40, 50 years, I am sure that I cannot accurately predict what the world will be like in 30 years. New generation - new skills - new opportunities - new lifestyles - I am no longer a relevant standard that updates accordingly.
Whoever wants to bet some pocket money for their children can invest a few hundred in crypto and give it to them on their 18th birthday. A total loss won’t hurt the children and is quick to bear (like a failed vacation); if successful, the surprise and joy are great.

Who can afford to build without having to make compromises when the house is divided? What a waste of money for the average homeowner.

Very few can afford to build completely free of compromises—house concept or not.
And which one of us lives ascetically free from wasting money?

I have moved often enough and like the idea of staying on the little patch of earth now found. The option to rent out holiday apartments in old age if things get tight is for me like having money safely set aside with low risk.

Who can afford to build in such a way that they don’t have to make compromises when the house is divided? What a waste of money for the average home builder. And then even bring tenants into the house. That is almost always the reason to live in your own house – no annoying neighbors. And then the kids move out and tenants watch from above when you want to sunbathe naked? No-go.

Yes, the no-gos... I can probably best judge myself what compromises I make and how much money I waste. The fact is, there are tens of millions of square meters of living space in Germany lying empty precisely because of this situation. That is economic nonsense. Anyone who takes a prefab cabin off the shelf without their own planning and extensive own work will just sell the cabin again when it comes to sunbathing naked. That’s completely okay with me.

Well, the following generations will have a very hard time acquiring home ownership before receiving an inheritance.
Seen in this light, I am optimistic that one of the three will remain with us.

I know a few young people for whom flexibility is very important and who don’t even consider buying anything; they want to rent and have no annoying obligations.
We are here in a house-building forum, and of course, the critical comparison with the rest of reality is missing, as well as with the next generation.
We often believe we are closer to the thinking and living of young people and are just as far away as our own parents were from us.